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NFA wants currency dealers to hold more capital in reserves and to expand reporting and risk management programs.
Currency is at lowest level vs. U.S. dollar since 2002, down more than 30 percent since 2012.
'The urgently needed reform is degenerating into farce.'
Fines and penalties to total $5.8 billion.
Bank will pay $545 million in fines.
Currency impacts expected to total $14 billion this year for the retailer.